The 10 Best Home Care Agencies for Seniors in Grass Valley, CA for 2024

Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Grass Valley, CA, residents and their loved ones rate In Home Care agencies 4.0 out of 5 stars across the 13 options below.

Seniors typically pay $5,895 per month for nonmedical home care services in Grass Valley, which is lower than the state median of $6,101. However, home care there costs about $938 more than the national average. Chico is a little more affordable, typically costing $175 less per month. Vallejo has a median rate that’s $63 higher per month than Grass Valley. There’s a larger jump to Sacramento, which averages $397 more. The most expensive location in the area is Redding, where seniors can expect to pay about $778 more per month. 

Home care and home health care cost around $5,895 per month in Grass Valley. Home health care provides patients with extra medical services, such as medication management and monitoring of vitals. Seniors also have other options that might work, depending on their needs and budgets. Adult day health care costs the least at $3,945 less than home care. Assisted living costs less than home care by about $1,237 per month. Seniors typically pay significantly more for nursing home care, which is about $4,751 more.

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

• Long-Term Care Insurance: Long-Term Care Insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
• Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
• Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
• Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living. Contact the Department of Veterans Affairs to learn more.
• Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.